Does Stacc use AI in its credit platform?

Yes. Stacc takes a credit-native AI approach: the credit decision stays deterministic, governed by explicit rules, while AI plugs in everywhere it adds value — conversational applications via voice or chat (Deterministic Agentic Lending), document intelligence with attribution-first tracing (Verifiable Document AI), and automated scenario modelling against the bank's credit rules (Route-to-Yes). Banks can plug any AI model into the decision process through self-serve, no-code interfaces.

What is credit-native AI?

Credit-native AI is Stacc's framing for AI in lending: AI assists credit decisions rather than making them autonomously. Decisions remain explicit and auditable — the bank can show exactly which rules produced any outcome. Credit logic stays independent of specific AI models, so models can be updated without rebuilding the system.

Which financial institutions use Stacc?

Stacc powers 115+ financial institutions across the Nordics and Europe, including DNB, SBAB, Eika Gruppen (50+ Norwegian local banks), Aprila Bank, Bane NOR, Alphabet Denmark, and Autolease. Stacc has 200+ employees (70% software developers), 324 MNOK revenue in 2025 with 9.4% EBITDA margin, 42% revenue CAGR since 2016, and 45% of revenue outside Norway. Gartner Sample Vendor for Credit Decision Engines (2025).

Is Stacc compliant with the EU AI Act?

Yes. Stacc's credit-native AI architecture meets EU AI Act explainability requirements: credit decisions stay deterministic, every AI-assisted step is logged, and credit logic is independent of specific AI models. Stacc is ISO 27001:2022, SOC 2 Type 2, and ISO/IEC 9001:2015 certified, with EU/EEA data storage and built-in compliance for GDPR, DORA, and NIS 2.

Sales portals

Enhance sales & scale your business

Ensure a seamless digital experience for your customers with intuitive design, self-service portals, performance insights, and more – all in a sales portal branded to your existing visual environment. Fully integrated with a golden standard quoting engine.

Request a Demo

Sales portals

Enhance sales & scale your business

Request a Demo

Sales portals

Enhance sales & scale your business

Request a Demo

Sales Channels

Simplify the sales process while creating more customer satisfaction

Get a seamless and intuitive front-end sales platform based on a quoting engine software platform from Stacc.

Operational Efficiency

Built on industry-standard CMS platforms or coded from the ground up, our sales portals give you full editorial control over your sales channels.

Operational Efficiency

Built on industry-standard CMS platforms or coded from the ground up, our sales portals give you full editorial control over your sales channels.

Self-service portals

Allow customers and partners to independently configure vehicles, compare financing options, and progress through the buying journey.

Self-service portals

Allow customers and partners to independently configure vehicles, compare financing options, and progress through the buying journey.

Low effort changes

Change layouts, update offers, and manage content through an intuitive interface.

Low effort changes

Change layouts, update offers, and manage content through an intuitive interface.

Responsive across devices

No matter the device, our portals provide a seamless experience. Reach every customer, whereever they are.

Responsive across devices

No matter the device, our portals provide a seamless experience. Reach every customer, whereever they are.

Performance & Insights

Track performance across channels, from traffic source to conversion rate. Understand where customers drop off, and what drives completion.

Performance & Insights

Track performance across channels, from traffic source to conversion rate. Understand where customers drop off, and what drives completion.

Payment Integrations

Support all major payment gateways to streamline transactions and accelerate sales.

Payment Integrations

Support all major payment gateways to streamline transactions and accelerate sales.

One or the other?

Modular vs. End-to-end

Whether you solely want some of the features or the whole package is up to you. At Stacc, our solutions are modular and can therefore be replaced, added onto, or subtracted from, as you wish.

Modular

Pros

Fast deployment

Lower upfront cost

Add onto as your needs grow

End-to-end

Pros

Total control in one place

Riddance of legacy systems

Lower total maintenance cost

Broader target group through diverse channels

Request a Demo

Visit our trust center

Sales Channels

Explore the array of sales channels available through Stacc.

Drive more leads, create omni-channel environments, and ultimately drive better, more qualified traffic to your organization.

Software interface for sales channel dealer management system

eCommerce

Let customers configure their ideal vehicle, approve the agreement, sign with MitID or Penneo, pay securely via integrated payment, choose a delivery location, and receive an expected delivery date.

Fully online and fully self-serviced. If a customer changes equipment or add-ons, the lease or loan amount updates in seconds via API. Delivered in a visual experience that matches your existing brand

Software interface showing lead generation banner for Dealer Management Software

Lead-gen banner

Capture more leads with smart banner solutions placed on your website, media platforms, and Bilbasen.dk.

Potential buyers apply for financing directly through a digital form embedded in a vehicle listing, with customer data, vehicle specs, and financing details pre-filled for your dealers. Less manual data entry and faster follow-up ensures more conversions.

Dealer Management System

Integrate directly with a Dealer Management System of your choice.

Allow for fast offer generation, and meet your customers in places they already engage with, ensuring fast capture in every aspect of their customer journey.

Fleet Portal

Give your corporate customers their own fleet portal to manage company vehicles internally with their own policies and terms.

The fleet portal can be manually specced with vehicles or integrated with a preferred carcatalogue that complys with internal carpolicies.

Customer stories

Don't just listen to us

What we did for OnDrive Leasing

OnDrive Leasing engaged Stacc Bytelab as a strategic partner to develop a comprehensive and future-ready digital platform. Through this collaboration, Stacc Bytelab delivered a frontend solution seamlessly integrated with the Stacc Commerce platform.

User-centric digital sales platform

Back- & frontend system

Read OnDrive Leasings success story

Less friction. More leads.

Essentials for Sales Channels

Understanding modern digital consumer behaviour is key to getting conversions instead of just traffic. At Stacc, we strive to create user-friendly interfaces that allow for engagement - not friction.

Less friction. More leads.

Essentials for Sales Channels

Understanding modern digital consumer behaviour is key to getting conversions instead of just traffic. At Stacc, we strive to create user-friendly interfaces that allow for engagement - not friction.

Customer Experience

Modern consumers expect easy-to-use, fast-loading self-service portals and intuitive interface designs that allow them to control their own customer journey. At Stacc, we strive to deliver seamless customer experiences that drive conversion, engagement, and ultimately user satisfaction.

Analytics & Insights

Good business decisions stem from a combination of expertise, experience, and data. With a sales portal from Stacc, you gain access to raw data that enables your organization to better understand your customers and visitors. Our data-driven approach allows you to create personalized marketing offers, improve product recommendations, and ultimately achieve a higher level of user satisfaction.

Omni-channel Sales

Fragmented customer journeys often create friction, ultimately leading to frustrated end-customers. Our sales portals are designed to deliver omnichannel experiences across multiple touchpoints, ensuring a personalized customer experience and higher user satisfaction.

Customer Onboarding

Our sales platforms enable easy and secure customer onboarding, allowing end-customers to safely and efficiently create their own user profiles through the self-service portal. Ultimately, this creates a more personalized experience by giving users an overview of their current offers and allowing them to conduct business without external pressure.

Responsive Design

Almost 80% of webtraffic derives from mobile devices in modern times. For your sales channels, that means that you need to be able to cater to these users, and ensure that your interfaces can be used no matter where your customer is. At Stacc, we design sales channels with a mobile-first principle, that ensures constant alignment with design responsiveness.

FAQ

How can I reduce manual processing and decisioning time in our asset finance workflows?

What makes Stacc Asset Finance Suite stand out from other asset finance platforms?

Can Stacc Asset Finance Suite support a variety of lending products and industries?

How secure is the data stored in Stacc Asset Finance Suite?

How does Stacc Asset Finance Suite help me stay compliant across multiple jurisdictions?

Is it easy to integrate Stacc Asset Finance Suite with my existing systems?

How does Stacc Asset Finance Suite prove reliability?

Request a Demo

Ready to transform your sales channels

Experience the modern, highly automated and intelligent value of Stacc Sales portal